Just tested the SMS and mine is actually 13 hours off. I am using 24 hours format, I suspect you folks see only the little a or p at the end - have you noticed it I'd actually 13 and not only one hour off?

I have a couple of credit cards in my Windows account and they showed up on my Wallet.

The problem is that one card expired this month and I've updated it online but the change doesn't show up in my Wallet even after multiple refresh attempts. So off to delete it online, see if it disappears from the wallet to then add it again...